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An example of a real life large liability claim

One of my stand alone personal umbrella liability carriers PersonalUmbrella.com has a real life case study of a large liability claim. Here is the story: “Zack couldn’t believe his luck: Discovering leftover Fourth of July fireworks in the garage just in time for Halloween. He couldn’t wait to tell his best friend, Fletcher. While their [ Read the full article… ]

What is UMBI or Uninsured/Underinsured Motorist Bodily Injury

UMBI is the coverage on your policy that would pay toward you, family members or passengers in your vehicle if someone else was at-fault in the accident and didn’t have any, or enough BI (Bodily Injury) coverage. Typically the at fault driver should have insurance, but as you know in Denver and Lakewood Colorado, there [ Read the full article… ]

What is “Class 4” rated roofing shingles and why should you have them?

Underwriters Laboratories (UL) is a company that tests the impact resistance of roofing shingles to simulate how the roofing would stand up to hail. The test is called UL 2218 and is the standard test in the roofing industry. A roofing shingle tested under UL 2218 is given a rating from Class 1 to Class [ Read the full article… ]